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 Capital Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 12, 2026
Capital Credit Union's CDs of Deposit Minimum Balance 3-Month rates are at 3.55%, CDs of Deposit Minimum Balance 6-Month rates are at 3.55%, CDs of Deposit Minimum Balance 9-Month rates are at 3.45%, CDs of Deposit Minimum Balance 12-Month rates are at 3.25%, CDs of Deposit Minimum Balance 18-Month rates are at 3.00%. Capital Credit Union's savings rates are at 1.61%. Capital Credit Union's money market rates are at 0.20%. Capital Credit Union's Personal Loan Rates are at 4.74%. MonitorBankRates evaluates the financial stability of Capital Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.17%. Rates were last updated on 04/12/2026. Capital Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Capital Credit Union? Share your experience about Capital Credit Union by leaving a review below, or read customer reviews before you decide to use Capital Credit Union. 
Capital Credit Union CD Rates
Capital Credit Union Savings Rates
Capital Credit Union Money Market Rates
Capital Credit Union Checking Rates
Capital Credit Union Home Equity & HELOC
Capital Credit Union Auto Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Capital Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Capital Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Capital Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Capital Credit Union
Website
https://www.capcu.org
Address
204 W Thayer Ave,
Bismarck, ND 58501
Phone
701-255-0042
Fax
701-222-3996
President
Faye Miller
CEO
Jon Griffin
Full-Time Employees
142
Part-Time Employees
9
Branch Locations
11
ATM Locations
12
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (94/100)
Texas Ratio
11.17%
Return on Assets (ROA)
1.0124%
Return on Equity (ROE)
7.6792%
Non-Performing Loans Ratio (NPL)
1.91%
Total Assets
854,331,927
Total Amount of Shares and Deposits
719,819,263
Total Shares and Deposits < 1 Year
712,378,482
Total Shares and Deposits 1 3 Years
5,647,252
Total Shares and Deposits > 3 Years
1,793,529
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
69,805,323
Total Uninsured Shares and Deposits > $250K (F+J)
69,805,323
Total Insured Shares and Deposits > $250K (item 17 less item K)
650,013,940
Total Interest Expense (Sum of items 6 8)
9,402,446
Share Certificates
5,347
Number of Accounts for Share Drafts
25,082
IRA KEOGH Accounts
659
Number of Accounts for Regular Shares
57,719
Non Member Deposits
13
Money Market Shares
1,836
Net Income (unless the amount is already included in Undivided Earnings)
8,649,119
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
7,598,006
Total Liabilities
743,311,030
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Capital Credit UnionIs Capital Credit Union a safe place to deposit money?Yes, Capital Credit Union is considered a safe financial institution. With a Texas Ratio of 11.171694700404%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Capital Credit Union operate?Capital Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Capital Credit Union?Yes, to access services at Capital Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Capital Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Capital Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Capital Credit Union offer online and mobile banking?Most modern institutions like Capital Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.capcu.org. Current Capital Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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